Budgeting loans.

megg876

Hi.
I have paid off my last budgeting loan,and was wondering does anyone know if I could now get another one?
i know there are a few rules to get one such as needing a cooker ect.
my need for one is that I need to get a new pram and cot and some clothes for my baby. Would they let me have one for this reason? Have already wrote on my journal but no one has got in touch.
thanks 

poppy123456

As you have access to a journal then it's called a Budgeting Advance, rather than the loan. Budgeting loans are for those that claiming the old legacy benefits such as Income Related ESA/JSA and Income Support. They both have different ways to apply. Yes, you can apply for another. 

There's also a Sure Start Maternity grant if you have no children under the age of 16. There are some other instances where you can still qualify. Full details here. eligibility

For the advance then you need to ring the helpline to apply, you can't apply through your journal. https://www.citizensadvice.org.uk/benefits/universal-credit/on-universal-credit/budgeting-advance

Applying for a budgeting advance

You'll need to apply for your budgeting advance over the phone. To decide if you're eligible, and how much you can get, an adviser will look at:

• whether you can afford to pay the loan back - they'll see if you have any debts and how much you owe to help work this out
• how much you have in savings

You'll normally get a decision on the same day.

Universal Credit helpline

Telephone: 0800 328 5644
Telephone (Welsh language): 0800 328 1744
Textphone: 0800 328 1344

megg876

Thank you for your help 

WhatThe

Hi megg, have you considered searching FREECYCLE for free items or attending NCT Nearly New Sales (National Childbirth Trust) for all baby-related items in good condition?

Charity shops also stock baby equipment and clothes. Your baby will never know! Lots of mums do swaps and use second-hand because things don't really wear out and it saves on cost. 

Albus_Scope

Heya @megg876 and welcome to the community.

I can see you've already received some top advice from our regulars, but I just wanted to pop in and say hi. I've moved your post into the UC category, so more people will be able to see it.  I hope that's ok?